第三方支付的风险及其防范建议  

The Third-party Payment: Risks and Prevention

作　　者：刘红霞[1] 要文卿[1] 

机构地区：[1]天津商业大学经济学院,天津300134

出　　处：《天津商业大学学报》2014年第3期8-12,共5页Journal of Tianjin University of Commerce

基　　金：天津市"十一五"社科研究规划课题"建设社会信用体系和失信惩戒制度研究"(TJSR06-1-015)

摘　　要：经历了十余年的发展,目前我国的第三方支付呈现出迅猛发展的势头,机构数目不断增多,业务范围不断扩展,但是随之而来的还有其风险的暴露,这对市场的健康运行造成一定的影响。本文就第三方支付特有的合规风险、网络系统风险、纠纷处理风险等进行分析,在此基础上分别从合规监管、健全信用体系和完善内部控制方面给出防范建议,为监管者提供一定的政策参考,以利于我国第三方支付的可持续发展。Through more than 10 years of development, the third-party payment has had the trend of rapid development in China. The number of institutions is going up constantly and business scope is expanding increasingly. However, the risks are also rising, which affects the sound operation of market to some extent. The paper analyzes the compliance risk, network risk and disputes of the third-party payment. Based on the above, it puts forward some suggestions for regulators from the supervision of compliance, the improvement of credit system and internal control to promote the sustainable development of the third-party payment in China.

关 键 词：第三方支付 主要风险 防范对策 

分 类 号：F832[经济管理—金融学]